This seems to be really handy for clans etc...except for ONE FLAW.

Old Way, toricredits and items can be kept safe and held for clan mates.

New Way, toricredits can only be held in this "new profound way".

The problem with this is two things really, supporting both ends of the sides.

Problem Number One, now there isn't a bank to hold tourney, betting, and other prizes for events hosted by a clan.

Problem Number Two, how would this work with holding items and I believe it might be abused if added into the system.

All in all, the old way is better in ways and this new way is also better in other ways. I'm still towards the old way with clan banks.